Domestic Cashless Payments

Outgoing payments

Outgoing payments are the basic instruments for sending money. Usually, all you need to submit them is the beneficiary’s account number and the bank code. You choose the sum and maturity date.

Other items (variable symbol, constant symbol, etc.) are generally optional, but may be required by the payee (usually service companies such as mobile operators, energy providers, etc.). Then make sure you fill them in correctly.

If the recipient's bank supports Instant Payment (you can find out in the ČSOB Smart app or in internet banking - the relevant field will appear when you enter the payment order), you can use this type of payment.

If you want to pay simply as a phone call, you can use Pay a Contact.

Outgoing priority payment ensures that we process the order on the day you entered it. This ensures that it reaches the recipient's account on the same business day.

Outgoing priority payment order is a paid service and you can specify it:

• At a branch – until 1:30 p.m. at the latest
• Through the internet banking – until 2:15 p.m. at the latest

QR payment writes the payment data for you

Paying monthly charges for services with a one-off outgoing payment order is laborious and you risk making a mistake when writing the data. Most service suppliers provide a QR code on the invoice (a square similar to a bar code) that our ČSOB Smart can read, and it then completes the payment order for you. Easy and fast.

Standing payment orders and direct debits

Standing payment order

Use a standing payment order if you regularly (e.g. every month) pay the same sum – e.g. for rent. This is similar to a one-off payment order, but in addition you decide on the frequency (monthly, yearly, etc.).

Direct debit permission

The simplest way to pay fees and invoices for services. By enabling a direct debit permission, you authorise a service provider to automatically collect the sum it invoices you each month from your account.

How it works?

• You allow the service in your account settings (if you want to have more control, select the maximum sum that the supplier can transfer from your account).
• You then inform the supplier that the service has been set up on your account and submit your account number.

SIPO payment

A post office service that pays all the suppliers whose services you use (energy, telephone, Internet, television, etc.) for you. Just like a direct debit, the post office debits the total for all your ordered services from your account once a month.

All you need is the connecting number, which Czech Post will give you. You will find it on the SIPO payment breakdown. Then simply fill in the number in the account settings and notify all suppliers who you want to pay this way.

You only need to submit a request to carry out or change SIPO payments by the 20th day in a month. The first payment will be made from the next month. A request to cancel services without an effective date will cancel the SIPO on the working day after the request is delivered to ČSOB at the latest.

Additional frequent terms (variable symbol, specific symbol, constant symbol, bank code, etc.) have been prepared for you in the Help section.